The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$3,818
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,937
−HK$120/mo
Today · 4.125%
HK$4,057
baseline
▲ 0.50% · 4.625%
HK$4,304
+HK$247/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,114/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,247
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,361
−HK$116/mo
Today · 4.125%
HK$4,477
baseline
▲ 0.50% · 4.625%
HK$4,713
+HK$236/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,954/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,582
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,724
−HK$145/mo
Today · 4.125%
HK$4,869
baseline
▲ 0.50% · 4.625%
HK$5,165
+HK$296/mo
Deposit HK$670K · loan HK$1.00M · min. income ≈ HK$9,738/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,097
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,234
−HK$138/mo
Today · 4.125%
HK$5,372
baseline
▲ 0.50% · 4.625%
HK$5,656
+HK$284/mo
Deposit HK$670K · loan HK$1.00M · min. income ≈ HK$10,744/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,345
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,511
−HK$169/mo
Today · 4.125%
HK$5,680
baseline
▲ 0.50% · 4.625%
HK$6,026
+HK$346/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$11,360/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,946
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,106
−HK$162/mo
Today · 4.125%
HK$6,268
baseline
▲ 0.50% · 4.625%
HK$6,598
+HK$330/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$12,536/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,872
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,086
−HK$217/mo
Today · 4.125%
HK$7,303
baseline
▲ 0.50% · 4.625%
HK$7,748
+HK$445/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$14,606/mo (50% DSR)
Upfront cash ≈ HK$168K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,645
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,850
−HK$208/mo
Today · 4.125%
HK$8,058
baseline
▲ 0.50% · 4.625%
HK$8,483
+HK$425/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$16,116/mo (50% DSR)
Upfront cash ≈ HK$168K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).